Kotak Solitaire Credit Card
Fees
₹25,000 + Taxes
Joining & annual
1st year freeReward Rate
10 Air Miles per ₹100 spent on flight and hotel bookings via the Kotak Unbox platform; 3 Air Miles per ₹100 spent on all other purchase categories
Welcome Bonus
No disclosed joining bonus; value comes primarily from ongoing travel benefits
Lounge
Unlimited Domestic + International
Our Expert Take
Kotak Solitaire's strongest case is for people who book most of their travel through Kotak's own Unbox platform, where the 10% miles-back rate and zero forex markup combine well. Unlimited lounge access on both fronts, domestic and international, is genuinely rare at any fee tier, though the ₹25,000 fee means this only pays off with consistent travel spending.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10 Air Miles per ₹100 on Kotak Unbox travel
Max 1,00,000 Air Miles per statement cycle
Pros & Cons
Key Advantages
- 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
- Zero forex markup on international transactions
- Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
- Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays
Limitations
- High standard annual maintenance fee barrier of ₹25,000 if not a Solitaire Program account holder
- Extremely weak value across non-travel lifestyle verticals like shopping, dining, and movies
- Accelerated rewards optimization and prime 1:1 reward redemptions are exclusively locked inside the Kotak Unbox platform
Key Perks & Spending Milestones
10 Air Miles per ₹100 spent on flights and hotel accommodations processed inside the Kotak Unbox digital storefront (10% value back)
3 Air Miles per ₹100 spent on all other standard retail purchase networks outside travel
True 1:1 reward currency parity redemption ratio on flight, hotel bookings, and travel add-ons via Kotak Unbox (1 Air Mile = ₹1 value)
Air Miles convert to partner airline and hotel points at up to 1:1 (1:1 for Air India, 3:1 for Marriott, 2:1 for other partners)
2:1 conversion factor applied for standard catalog goods, shopping vouchers, and physical merchandise redemptions
Unlimited complimentary domestic airport lounge access lines globally for both primary and add-on card profiles via DreamFolks
Unlimited complimentary international airport lounge entry permissions globally for both primary and add-on card profiles via Priority Pass membership
2 complimentary domestic airport lounge guest entry passes given out each year
2 complimentary international airport lounge guest entry passes given out each year
Complimentary 3rd night hotel stay rewards upon booking 2 consecutive nights at participating ITC Hotels, Elivaas Villas, and Alaya Stays via Visa Privilege systems
Flat 50% discount on the second night of consecutive hotel stays via the Visa Privilege program
1% fuel surcharge exemption cover operating across values between ₹400 and ₹7,500 (capped up to ₹10,000 saved per annum)
Spend milestone
Annual fee waived for active Kotak Solitaire Program members
Fees & Charges
Joining fee
₹25,000 + Taxes
Annual fee
₹25,000 + Taxes 1st year free
Nil for Kotak Solitaire Program customers (₹0 First Year Fee for all invitees)
Interest rate
3.50% per month (42% per annum)
Late payment fee
up_to_100: Nil
Insurance & Protection Benefits
Eligibility Criteria
employment profiles
Invite-only: restricted to Kotak Solitaire Program relationship clients (Salaried and Self-Employed)
Credit score & income
Exclusive benchmark governed strictly by Invite-Only parameters
Frequently Asked Questions
What's the reward rate on Kotak Solitaire?
How many lounge visits does Kotak Solitaire offer?
Was Kotak Solitaire affected by Kotak's 2025-26 devaluations?
Compare Kotak Solitaire Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Kotak Solitaire Credit Card This Card | ₹25,000 + Taxes | 10 Air Miles per ₹100 spent on flight and hotel bookings via the... | Unlimited Domestic + International | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |